Car On Finance

Still owe on it?
You can still sell it.

A car with finance outstanding can be sold like any other — the lender is simply paid off from the proceeds. We handle that part so nothing is left hanging.

Value My Car 💬 WhatsApp Us

No obligation · Free valuation · You approve every decision

Simple Process

How it works

Tell us about the car

Send us the registration, mileage and a few photos. Takes about two minutes.

We agree a price with you

We tell you what the car should realistically achieve and what we would market it at. You decide whether to go ahead.

We market and handle buyers

We list the car and deal with the enquiries, timewasters and haggling so you do not have to.

You get paid

Once a sale is agreed we handle the paperwork and any outstanding finance is settled from the proceeds.

Why choose us

Finance settled properly, in the right order

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More than trade price

Part-exchange and instant-buy sites pay trade. A properly marketed private sale usually achieves more — that difference is the point of using us.

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None of the hassle

We field the calls, filter the timewasters and handle the negotiation. You are not sat in a layby meeting strangers.

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Track it online

You get a login to follow every stage — documents, marketing, offers, sale agreed — so you always know where things stand.

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Finance settled properly

Still owe money on it? We handle the settlement out of the sale proceeds so nothing is left hanging.

Get your free valuation

No obligation. Tell us about the car and we will tell you what it should achieve.

First name

Last name

Email address

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What are you looking for?

🔒 Your data is protected under ICO registration ZC067741. We never sell your details.

✅ Enquiry received!

Thanks — one of our advisors will be in touch within 2 hours.
In the meantime, feel free to WhatsApp us if you have any questions.

Common Questions

Selling a financed car, answered

On hire purchase or PCP the lender legally owns the car until it is paid off, so it cannot be sold without settling. That does not stop the sale — it just means the settlement has to be paid from the proceeds as part of the transaction, which is exactly how we structure it.

That is negative equity, and it is common on PCP. The sale covers what it can and you pay the shortfall, or in some cases it can be rolled into a new agreement. We will tell you the number before you commit so there are no surprises.

You request it from your lender, or authorise us to. It is valid for a set period, usually around 28 days, and we work to that window so the figure does not go stale mid-sale.

Neither, directly. The settlement is paid to your lender from the sale proceeds on completion, then the balance comes to you. That protects both you and the buyer, because the finance is cleared before ownership transfers.

No. The car is worth what it is worth. Outstanding finance only affects how the money is split at the end, not the price the car achieves.

Still owe on it?You can still sell it.